How to Link Insurance Policies with Aadhaar Card?

• The IRDAI recommends all insurance policy holders link their policies with their Aadhaar numbers to avail of various advantages.
• You can initiate an Aadhaar-insurance policy link either by visiting the customer service portal of the insurance company or by visiting the nearest branch office of the insurer.
• Aadhaar-insurance policy linking enables efficient settlement of insurance claims, reduces processing of fraudulent claims, and makes the insurance administration process simple and hassle-free.

The Insurance Regulatory and Development Authority of India (IRDAI) recommends all insurance policy holders to link their new and existing insurance policies to their Aadhaar numbers. Linking your insurance policy with your 12-digit unique identification number enables effective and quicker settlement of claims and reduces the filing of fraudulent claims.The Aadhaar-insurance policy link process is aimed at creating a unified platform for all financial services and bolstering the government's digitisation initiative. In this blog, you will learn how to initiate and complete an Aadhaar-insurance policy linking process, both offline and online.

Linking your insurance policy with your Aadhaar number online is convenient and time-saving. Remember to link your mobile and Aadhaar number before initiating the Aadhaar-insurance policy linking process.Given below are the steps you should follow to execute an Aadhaar-insurance policy linking process online, for both registered and non-registered users:

For a Registered User

A registered user should follow the below-mentioned steps to complete the Aadhaar-insurance linking process online:

• Step 1: Visit the customer service portal of the insurance company.
• Step 2: Add all the required Aadhaar details in the respective boxes.
• Step 3: Verify and submit the details.
• Step 4: An OTP (one-time password) will be generated and sent to your Aadhaar-registered mobile number.
• Step 5: Enter the OTP to get your Aadhaar linked to your insurance policy.

For a Non-Registered User

If you are a non-registered policy holder, you should follow these steps to perform an Aadhaar-insurance linking process online:

• Step 1: Visit the insurance company's website.
• Step 2: Enter your details, such as PAN number, date of birth, mobile number, email ID, insurance policy number, and Aadhaar number.
• Step 3: An OTP will be generated and sent to your registered phone number.
• Step 4: Enter the OTP in the given box and submit.

Your Aadhaar card and insurance policy will be linked on verification.

You can carry out the linking of your insurance policy with your Aadhaar number offline by visiting the nearest branch office of the respective insurance company. Below are the steps you need to follow to complete the offline process:

• Step 1: Visit the nearest branch office of the insurance company or contact your insurance agent.
• Step 2: Carry an original as well as a self-attested copy of your Aadhaar card.
• Step 3: Submit it to the official to get your Aadhaar-insurance policy linking done.

Completing the Aadhaar-insurance policy linking process enables you to settle your insurance claims efficiently and quickly. Aadhaar-insurance linking even helps to prevent malpractices and reduces the filing of fraudulent claims.Additionally, your insurance claim amount gets directly credited to your bank account if your Aadhaar card and insurance policy are linked. It makes the insurance administration process simple, seamless, and hassle-free.

Make sure that your mobile number is linked to your insurance policy as well as your Aadhaar if you want to initiate the Aadhaar-insurance policy linking process online. If you are a new policy holder, you should submit your Aadhaar card details while enroling for a new policy.It is recommended to link your Aadhaar number with all your insurance policies if you want to settle your insurance claims efficiently and prevent fraudulent filing of claims on your behalf. Also Read: E-Aadhaar made easy: 5 steps to your digital identity